Mari - chii ichi?

Dzimwe nguva mabhizimisi havana dzaro dzakarikwanira zvinhu nokuda entrepreneurial basa, saka zvokureva kuti mari muitiro. Ekupedzisira rudzi kiyi ibudirire uye kukwanisa kugara yerera mu zvemakwikwi yezvebhizimisi nhasi ezvinhu.

The tsananguro

Mari - ndiko kunonyanya kukwezva vakakwereta mari, izvo kushandiswa emakambani nechinangwa risina kumiswa wedzerai zvavo mabasa maererano huru negwara.

Saka, chive zvebhizimisi, aitungamirira asiri purofiti mabasa, chikuru tsime mari achaita sezvo vanoitisana kana hurumende. On akakwereta mari sangano anogona kuramba mari dzavo, izvo iyi ndiyo kindergartens akavhara-mhando dzimba kuti makirabhu uye nzanga wechikuru kana tsika.

Nokuti mamiriro, uyewo, panobva mari ndiwo mutero munataisireva kuti mitero. On Mari rine masangano asiri purofiti akadai nezvipatara uye nemasangano edzidzo. Zvinokosha kucherechedza kuti pfungwa mari nokuti nyika zvakazara rinoenderana akaronga upfumi.

For rokutengesa Makambani mari - ndiko kukwezva mari masangano amburera. Kana mabasa inishuwarenzi mari mari zvikuru ndivo mari pakati inishuwarenzi.

zvinhu nzira

Kana mari kwacho ndiko chevatatu maererano accrual nzira, rinogona kukamurwa zvinotevera Categories:

• Kuzova nzira;
• nzira kuongororwa.

Saka, muna waunotarisira chinoumba chikwereti Fund kunyatsoshanda mu ine Pfungwa rinobva pakati kuongororwa uwandu mari yokupedzisira nguva. Nemamwe mashoko, pensions vari paakavapa maererano chitsama muhoro yokupedzisira mashoma apfuura vachishanda uye dhipoziti for mabhanga nouwandu hwemashoko mari dzinochengeterwa ichi nhau nguva (Chokwadi, ichi hachisi nzira yoga yokuziva nayo indekisi ichi).

Kana tinofunga nzira kuongororwa, kuti mari - ndiyo uwandu vakakwereta mari, izvo rwakaverengwa yose bhizimisi. Nemamwe mashoko, maererano nzira iyi, iyo inishuwarenzi kambani muripo Fund achavaponesa dzinoverengeka mibayiro takaitwa policyholder yose ya zvavakanga vachida kuita. Kana paruzhinji mari yakawanda evanhu kubhadhara achavaponesa uwandu mitero inobhadharwa kuti muchivigiro.

Ko mari mwero

Mwero mari - zvachose mari nokukwereta, iro rinowanikwa pedyo yakaoma inonyatsoita, asi ngatiedzei husava pfungwa iyi uye tsanangura zvose mitauro iripo.

The mambure uwandu mari haisi mambure zvemadhenari vakakwereta mari, saka mari mwero rinowanikwa zvichienderana kurema zviratidzi:

• vanobviswa nezvezvinhu vane pamusika zviratidzo;
• kufungisisa profitability of zvebhizimisi;
• weighted reshiyo Sheet kufunga mari;
• akakwezva nyanzvi iwe yesangano yokukurumidzira.

Panyaya iyi, mwero mari asingadi kubvisa kuitika nguva, uye kuitika nguva vachikanganisa nokukwereta anosarudzwa pamusoro kungwara wekambani, ngazvive kamwe pazuva, vhiki kana gore.

Mushure Pakusarudza mwero mari vakawana chakarurama inocherechedzwa nhoroondo kuziva solvency wekambani, uyo anoita mabasa yawo nokukwereta mari.

Pakusarudza kukosha

Mari mari - ndiwo mwero panguva iyo zvinokwezva vakakwereta mari iri guru kambani, saka regai kunyonganisa yokuti "mwero mari" uye "kukosha."

Chokwadi, zvingava nomusoro kusarudza chii zvazvingava - ndiwo tinyatsonzwisisa kuti chikamu mari vanomutswa, zvisinei, sezvo zvinorondedzerwa pamusoro, mashoko aya kwakarasika, nekuti mutengo zvakananga kuchinjwa mutengo, izvo anosarudza pasi chii chikamu wekambani mari kukwezva rakumbirwa mari.

chakarurama Izvi zvakare ndezvokungotevedzera zvinhu zvakawanda uye rinowanikwa pedyo yakaoma inonyatsoita, asi munguva pfupi tinogona kutaura kuti kuziva mutengo mari indekisi anofunga aivapo panguva uwandu vakakwereta mari, musika kudiwa, wedzerai uye pamusika wemari zviratidzo.

Saka kazhinji mubereko prices pamusoro zvikwereti uye deposits mubhangi zvichienderana kurema zviratidzi huru uye kwete kuti vakwikwidzi zhinji kupa, vangani vedu kufunga.

Concept coefficient mari

Mari coefficient - nechiyero, iro kunotsanangurwa somugumisiro pakuverenga nhamba pakati yesangano uye munataisireva ose akaitwa muna National mari. Nokudaro, boka anokwanisa ngaaverenge chitsama nengozi paro basa kwakaita musi nhau nguva.

Pakadaro, kana pfuma kupfuura zvavo quantified munataisireva uye coefficient mukuru mumwe, zvinogona vakagumisa kuti njodzi zvavakanga vachida kuita panguva iri diki, uye ayo kushanda hakusi panjodzi. Nemamwe mashoko, basa kambani akatsiga uye anokwanisa kuti vaunze vachiwana mari.

Kana munataisireva kudzora yaro zvachose zvinhu pachinhu, mhedziso ndechokuti huru basa zvebhizimisi ngozi yakakura zvakakwana, uye profitability riri mungozi. Nokudaro zvinogona vakaturikira vachiti pasi mubereko prices kukwezva chikwereti guta mubhengi kana inishuwarenzi kambani hatigoni kuita mari.

Bank mari

Mari kuti mabhanga - ndiko kuti akwezve chikwereti guta yemberi uchishandisa mabasa.

Vakawanda tinogona kutaura kuti zvachose chero bhengi mari tsika muitiro, zvikasadaro huchishanda haangavi zvinobvira. Kubhangi, sezvinoita mutemo, kushomeka uwandu noumhizha guru kuti anokweretesa zvizere, kunyanya kana tiri kutaura pamusoro pamutemo masangano. Naizvozvo, nokuti ezuva kukwezva deposits.

Mumwe nomumwe ungave wakaona kuti kubhangi ndechokuti zvazvingava kazhinji novimba mubhangi, kana vakutarisire. Naizvozvo, kana mwero pamusoro chikwereti inokura uye dhipoziti mwero kudzoka hazvigoni kuderedzwa - ndiwo musimboti mari yokutanga.

A kuwanda makambani anokwanisa kubata mari dzavo pasina kufarirwa mari nzira, asi kwete mabhanga. Banking basa nguva dzose kunosanganisira nokukwereta.

mari zviridzwa

Kwete nguva dzose nzira kuti mari ine upfumi divi, uye hofisi sangano, shoko anewo zvakawanda kwazvo aaiitawo uye kukosha. Vhidhiyo Tsika kufunga kuti mari - vanonzi archiving zvinyorwa kuti yapfuura nguva zvavakanga vachida kuita.

negadziriro yeparutivi nzira inogona kuitwa neumwe periodicity - kamwe pagore, muzvina kana mwedzi (zvichienderana uwandu aripo ruzivo). Mari Zviridzwa kazhinji kuitwa pamusoro evoruzhinji. Zvinogona kuva:

• signatories;
• Sender zita;
• kugutsikana.

Kazhinji, hapana mitemo yakajeka uye mitemo pamusoro mari nzira maererano zvenhoroondo, saka mabharani anogona kusarudza zvakakodzera zvikuru uye Zvakanyanya Kunaka Panguva Yepamuviri kuti nzira archiving.

zvakawanikwa

In mhedziso, tinoona kuti mari kunokosha kwacho entrepreneurial mabasa akaitwa zhinji, zvimwe tingazove vakashandisa kumabhanga, kana pakanga pasina deposits? Izvo zvinoreva kambani yacho inishuwarenzi aizofanira kuita mari, kana pakanga pasina inishuwarenzi? A Social Services asingagoni kubhadhara kubatsira kana kwete kuti mutero hurongwa munyika.